COMO
ActiveSummary
COMO has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €234k and a net result of €16k. Equity is growing by ~9.6% per year across the filed fiscal years. Its solvency ranks better than 60% of 11322 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▼-4
Solvency80▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 1.52 against 1.58 in 2024; short-term debt: 37% and cash: 26.8% of total assets), and 45.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
54.7%
Return on assets
3.7%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 16-10-2025, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
13 d early
2023
20 d early
2022
17 d early
2021
6 d early
2020
31 d early
2019
21 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€234k▲ 4.7%
2024 · €224k
2019: €135k
2020: €145k
2021: €184k
2022: €174k
2023: €206k
2024: €224k
2019 → 2025
Total assets
€428k▼ 1.2%
2024 · €433k
2019: €571k
2020: €503k
2021: €501k
2022: €494k
2023: €467k
2024: €433k
2019 → 2025
Net result
€16k▼ 47.0%
2024 · €30k
2019: €5k
2020: €15k
2021: €38k
2022: €41k
2023: €33k
2024: €30k
2019 → 2025
Working capital
€83k▲ 2.4%
2024 · €81k
2019: €60k
2020: €57k
2021: €84k
2022: €53k
2023: €76k
2024: €81k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€184k-€174k▼ 5.4%€206k▲ 18.8%€224k▲ 8.3%€234k▲ 4.7%
Operating result€61k-€68k▲ 11.1%€54k▼ 20.5%€49k▼ 10.4%€26k▼ 46.9%
Net result€38k-€41k▲ 5.9%€33k▼ 19.9%€30k▼ 9.5%€16k▼ 47.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 47% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €428k
Fixed assets
€186k ▼ 11.8%
Current assets
€241k ▲ 8.9%
Equity and liabilities €428k
Equity
€234k ▲ 4.7%
Debt
€194k ▼ 7.4%
Debt's share of the balance-sheet total falls from 48.4% to 45.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€52k▼
2024 · €74k
Cash flow
€42k▼
2024 · €55k
Current ratio
1.52▼
2024 · 1.58
Quick ratio
0.76▼
2024 · 0.78
Debt to equity
0.83▼
2024 · 0.94
ROE
6.7%▼
2024 · 13.2%
ROA
3.7%▼
2024 · 6.8%
Interest coverage
6.33▼
2024 · 7.86
Debt ≤ 1 year
€158k▲
2024 · €141k
Debt > 1 year
€32k▼
2024 · €66k
Income taxes
€9k▼
2024 · €15k
Staff costs
€48k▲
2024 · €47k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€433k€428k▼
Fixed assets21/28€211k€186k▼
Intangible fixed assets21€390€310▼
Tangible fixed assets22/27€211k€186k▼
Land and buildings22€208k€184k▼
Furniture and vehicles24€3k€2k▼
Current assets29/58€222k€241k▲
Stocks and contracts in progress3€112k€121k▲
Stocks30/36€112k€121k▲
Amounts receivable within one year40/41€7k€3k▼
Trade receivables40€7k€31▼
Other amounts receivable41€268€3k▲
Cash at bank and in hand54/58€100k€114k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€433k€428k▼
Equity10/15€224k€234k▲
Contributions10/11€50k€50k=
Reserves13€174k€184k▲
Distributable reserves133€174k€184k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€209k€194k▼
Amounts payable after more than one year17€66k€32k▼
Financial debts170/4€66k€32k▼
Amounts payable within one year42/48€141k€158k▲
Current portion of amounts payable after more than one year42€32k€34k▲
Financial debts43€19€21▲
Credit institutions430/8€19€21▲
Trade debts44€58k€75k▲
Suppliers440/4€58k€75k▲
Taxes, remuneration and social security45€13k€13k▼
Taxes450/3€5k€4k▼
Remuneration and social security454/9€9k€9k▲
Other amounts payable47/48€37k€37k▼
Accrued charges and deferred income492/3€3k€3k▲
Income statement
Code20242025
Remuneration, social security and pensions62€47k€48k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€26k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-14k€18k▲
Other operating charges640/8€4k€4k▲
Gross operating margin9900€112k€122k▲
Operating profit (loss)9901€49k€26k▼
Financial income75/76B€6k€7k▲
Recurring financial income75€6k€7k▲
Financial charges65/66B€9k€8k▼
Recurring financial charges65€9k€8k▼
Profit (loss) for the period before taxes9903€45k€25k▼
Income taxes67/77€15k€9k▼
Profit (loss) for the period9904€30k€16k▼
Profit (loss) for the period to be appropriated9905€30k€16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€30k€16k▼
Transfer from equity791/2€12k€5k▼
Transfer to equity691/2€30k€16k▼
To other reserves6921€30k€16k▼
Profit to be distributed694/7€12k€5k▼
Return on contributions (dividend)694€12k€5k▼
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
16-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
18-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
11-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Equity above €200kEq €206k ▲18.8%
5 profitable years in a row build equity to €206k.
2022
14-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Highest result since 2019net €41k ▲5.9%
Operating result €68k, net result €41k, both a record.
2021
25-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Equity above €150kEq €184k ▲26.4%
3 profitable years in a row build equity to €184k.
2020
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
10-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
29-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
28-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2016
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Sint-Katelijne-Waver · 1 establishment unit since 2006
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Mechelsesteenweg(CEN) 392860 Sint-Katelijne-WaverGround area
1,242 m²
Building footprint
462 m²
Volume, LiDAR
1,692 m³
Parcel 12035B0705/00C002, Flanders · tallest building 4.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
COMO
since 20062.155.858.058
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12035B0705/00C002 | Flanders | 1,242 m² | 1 · 462 m² | 4.7 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Similar companies · same sector, comparable size
BELGIAN FASHION MAKERS
BE 0633.902.324
Diepenbeek · Eq €234k
BELIS
BE 0829.423.838
Sankt Vith · Eq €235k
FRANCOLINI
BE 0421.480.935
Sint-Niklaas · Eq €236k
LEODEL
BE 0439.873.719
Jodoigne · Eq €239k
OMNIS OGAWA
BE 0455.679.571
Genappe · Eq €227k
Of 1,311 companies in sector 46423 we hold annual accounts for 812. 558 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-07-2006
Fiscal year end31-03
Activities, NACEBEL 2025
46423Wholesale of clothing, excluding workwear and underwear
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47714Retail trade
47715Retail trade
47721Retail sale of footwear
47722Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.